thank you so much, i can't let her out just like that, i wish i can as she has drive me crazy like 20 times a year with her heating issues and others issues. i have to keep renewing her lease unless she is paying late cotinuesly or no payment or i move in by myself or i sale the property.

If your student loans are only 3-5% interest, that's pretty good so I think it's okay to pay those off over time.It sounds like you're making good income with your current employer and there is room to grow, so I'd plan to stay with that job until you can pay your high interest loans off and save enough for a down payment for your first property.

I never trust people that lead with any type of religion.

If you were able to pull out $500,000 in existing equity out of a paid off rental and disperse those funds to acquire 2, 4-unit MFR properties and had the income to support any future CapEx and the interest payments on your HELOC ( including the extra income to paydown the loan ) would there be any " gaps " or problems I'm missing in this situation where it would be a bad enough idea to not go through with acquiring more properties through a HELOC on 1 of 5 properties you own?

Tasty Trade is a brokerage that has allowed IRA LLCs/Trusts to open brokerage accounts. 

Most investor deals are traded off-market, and the brokers/investors/agents that gatekeep them typically will trade with only their circle as it's a form of doing repeat business with the folks they already know and trust. 

You only need a place to track tenant information, payment history, maintenance, etc.

It should also be noted that there is often a difference between the borrower and the guarantor.If the loan is made to an entity (LLC, corporation, trust, etc.)

(You’re paying $500/mo in but if you gave them $X (Say $80k.) it would lower your payment $500/mo.)

*Tenant payments via ACH not deposited into a Baselane Banking account will incur a $2 fee.